Travel health insurance is designed to cover losses arising from sudden and unforeseeable circumstances. Travelling for business or pleasure, travel with the piece of mind that you will be taken care of if any unexpected emergency medical expenses occur. Travel health insurance covers you whether leaving Canada or getting visitors from abroad.
If you plan to travel outside Canada ‒ even for a day in the United States – you should buy travel health insurance before you leave.
Why you should buy travel health insurance
- Your Canadian health insurance may not pay your medical fees while you are outside Canada
- Your provincial or territorial health plan may cover none, or only a small part, of the costs of your medical care abroad. It will never pay your bills up front
- Foreign hospitals can be very expensive and may require immediate cash payment
- In some countries hospitals and clinics will not treat you if you do not have enough insurance or money to pay your bills
- The Government of Canada will not pay your medical bills
Super Visa application requirements
To apply for a Super Visa in Canada, visitors entering the country must have at least $100,000 in health coverage issued by a Canadian insurance company. This ensures visitors can pay for their health care if they become sick or injured while in Canada.
- Coverage for up to 365 days in Canada
- The ability to return to the home country during the trip without cancelling coverage
- Travel insurance is a legal requirement for all Super Visa applicants
- Companies will refund unused days less an administration fee
- This is a once off payment to activate coverage
Traveling to Canada – Emergency Medical Plan_Visitors to Canada
Who can apply?
- Visitors to Canada;
- Canadians who are not eligible for benefits under a government health insurance plan;
- Persons who are in Canada on a work visa or Parent and Grandparent Super Visa; or
- New immigrants who are awaiting Canadian government health insurance plan coverage.
Canadians Traveling Internationally – Covid-19 Pandemic Travel Plan
To be eligible for coverage, you must, as of the date you apply for coverage and the effective date:
- be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
- be at least thirty (30) days of age;
- not have been advised by a physician to avoid travel at this time;
- not have a terminal illness or metastatic cancer;
- not require kidney dialysis;
- not have been prescribed or used home oxygen in the last twelve (12) months; and
- never have had bone marrow, stem cell or organ transplant (except corneal transplant).
Canadians Traveling Internationally – Emergency Medical Plan
Who can apply?
- Visitors to Canada;
- Canadians who are not eligible for benefits under a government health insurance plan;
- Persons who are in Canada on a work visa or Parent andGrandparent Super Visa; or
- New immigrants who are awaiting Canadian government health insurance plan coverage.
Canadians Traveling Internationally – All-Inclusive Plan
To be eligible for All-Inclusive coverage, you must, as of the date you apply for coverage and the effective date:
- be a resident of Canada and covered under a government health insurance plan for the entire duration of your trip;
- be at least thirty (30) days of age;
- not have been advised by a physician to avoid travel at this time;
- not have a terminal illness or metastatic cancer;
- not require kidney dialysis;
- not have been prescribed or used home oxygen in the last twelve (12) months; and
- never have had bone marrow, stem cell or organ transplant (except corneal transplant).
Canadians Traveling Internationally – Trip Cancellation/Interruption Plan
To be eligible for Trip Cancellation & Interruption Insurance, you must:
- be living in Canada or travelling through Canada; and
- have paid the appropriate premium.
- Under Trip Cancellation & Interruption Insurance, coverage will include travel within your province of residence.
Canadians Traveling Locally – Emergency Medical Plan
To be eligible for Emergency Medical coverage, you must, as
of the date you apply for coverage and the effective date:
- be a resident of Canada and covered under a government health
insurance plan for the entire duration of your trip; - be at least thirty (30) days of age;
- not have been advised by a physician to avoid travel at this time;
- not have a terminal illness or metastatic cancer;
- not require kidney dialysis;
- not have been prescribed or used home oxygen in the last twelve
(12) months; and - never have had bone marrow, stem cell or organ transplant (except
corneal transplant).
Student Plan – Canadians studying in other provinces
To be eligible for insurance under this policy, you must be:
- under the age of 45; and
- a full-time student with proof of admission or enrolment in a
recognized institute of learning; or - a student completing post-doctoral research in a recognized
institute of learning; or - the dependent(s) and/or the spouse of and living with a
student covered under this insurance, and named on the
application; and - purchasing coverage:
- as an inbound student, when your home country is not
Canada and you are temporarily residing in Canada; or - as an outbound student , when your home country is Canada,
and you are covered under a government health insurance
plan while temporarily residing outside Canada; or - as a national student, when your home country is Canada,
and you are covered under a government health insurance
plan while you are temporarily residing in another Canadian
province or territory.
Student Plan – Canadians studying abroad
To be eligible for insurance under this policy, you must be:
- under the age of 45; and
- a full-time student with proof of admission or enrolment in a
recognized institute of learning; or - a student completing post-doctoral research in a recognized
institute of learning; or - the dependent(s) and/or the spouse of and living with a
student covered under this insurance, and named on the
application; and - purchasing coverage:
- as an inbound student, when your home country is not
Canada and you are temporarily residing in Canada; or - as an outbound student , when your home country is Canada,
and you are covered under a government health insurance
plan while temporarily residing outside Canada; or - as a national student, when your home country is Canada,
and you are covered under a government health insurance
plan while you are temporarily residing in another Canadian
province or territory.
Student Plan – International students studying in Canada
To be eligible for insurance under this policy, you must be:
- under the age of 45; and
- a full-time student with proof of admission or enrolment in a
recognized institute of learning; or - a student completing post-doctoral research in a recognized
institute of learning; or - the dependent(s) and/or the spouse of and living with a
student covered under this insurance, and named on the
application; and - purchasing coverage:
- as an inbound student, when your home country is not
Canada and you are temporarily residing in Canada; or - as an outbound student , when your home country is Canada,
and you are covered under a government health insurance
plan while temporarily residing outside Canada; or - as a national student, when your home country is Canada,
and you are covered under a government health insurance
plan while you are temporarily residing in another Canadian
province or territory.